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Bilt x Lowe’s Partnership: Use Bilt Cash for HomeCare+ and Earn Points (2026)
September 27, 2026
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Bilt members have a new way to spend Bilt Cash. As of November 10, 2026, you can redeem up to $99 of Bilt Cash, once per year, toward a Lowe's HomeCare+ subscription. HomeCare+ costs $99 a year, so the right Bilt Cash balance can cover the whole thing.
It's part of a new partnership that makes Lowe's Bilt's exclusive home improvement partner. And since Lowe's is also a Kudos Boost partner, there's now a way to stack Bilt Points, Kudos Boost rewards, and your credit card rewards on the same Lowe's order. Here's how it all works.
Shop Lowe's with Kudos Boost →
What Is the Bilt Lowe's HomeCare+ Redemption?
Bilt now lists a $99 Lowe's HomeCare+ option among its Bilt Cash redemptions. According to Bilt's offer terms, you can redeem up to $99 of Bilt Cash, once per year, toward a HomeCare+ subscription.
If you're eligible for HomeCare+, you can toggle on your available Bilt Cash at checkout in the Bilt app or on bilt.com. You buy the subscription through Bilt, not directly from Lowe's.
A few terms to know before you redeem:
- The subscription automatically renews at $99 per year until you cancel.
- HomeCare+ is only available in select ZIP codes.
- Service restrictions apply, and you have to buy the service items (like filters and batteries) yourself.
- You can cancel anytime.
What Does Lowe's HomeCare+ Include?
Lowe's HomeCare+ is a home maintenance subscription for MyLowe's Rewards members. For $99 a year, you get two in-home visits from trained Lowe's associates. At each visit, you can choose up to seven maintenance services:
- Electric dryer vent cleaning
- HVAC air filter replacement
- Refrigerator water filter replacement
- Electric water heater flush
- Garage door lubrication
- Smoke and carbon monoxide detector battery replacement
- Light bulb replacement
Members also get 5% off service-related items. Lowe's says visits generally take up to two hours.
HomeCare+ Service Limits
Lowe's lists a few restrictions. Dryer vent cleaning isn't available for gas dryers or roof vents. Water heater flushes exclude gas, tankless, and units 10 or more years old. Associates won't work above 12 feet, and light bulb replacement is capped at 30 bulbs per visit.
Unused visits expire at the end of your subscription term. Only one subscription is allowed per MyLowe's Rewards account.
You'll need to buy those filters, batteries, and bulbs anyway. Buy them at Lowe's through Kudos and you'll earn Boost rewards on top of your HomeCare+ discount.
Lowe's is a Kudos Boost partner. Shop through Kudos, stay logged in to your MyLowe's Rewards account, and pay with the card Kudos recommends to earn Boost, Bilt Points, and card rewards on the same order.
Who Can Redeem Bilt Cash for HomeCare+?
You need a Bilt account with enough Bilt Cash, and you need to live in an area where HomeCare+ is offered. Lowe's says the service covers residential homes within roughly a 40-minute drive of participating stores.
You don't need a Bilt card to have a Bilt account or earn Bilt Cash. That said, Bilt cardholders get additional ways to earn Bilt Cash on their cards. The current Bilt cards are the Bilt Blue Card (See Rates & Fees), the Bilt Obsidian Card (See Rates & Fees) and the Bilt Palladium Card (See Rates & Fees).
[[ CARD_LIST * {"ids": ["22391", "22392", "22393"]} ]]
Already have a Bilt card? Add it to Kudos so it shows up alongside the rest of your wallet, and Kudos can tell you when it's the best card to use.
Is Using Bilt Cash on HomeCare+ a Good Deal?
It depends on two things: whether you'd use the visits, and what else you'd do with your Bilt Cash.
If you own a home and already put off chores like flushing the water heater or cleaning the dryer vent, two visits a year can be worth it on their own. Covering the $99 fee with Bilt Cash means you pay nothing out of pocket for the subscription.
Bilt Cash also expires. Under Bilt's terms, it expires on the last day of the month 12 months after you earn it. If you have a balance with no better use coming up, HomeCare+ is a practical way to spend it before it's gone.
Just keep the auto-renewal in mind. Unless you cancel, you'll be charged $99 the following year, and you can only redeem Bilt Cash toward it once per year. For more on how Bilt Cash is changing, see what's changing with Bilt in 2027.
How to Earn Bilt Points and Kudos Boost at Lowe's
The partnership also lets Bilt members earn 1X Bilt Points on net eligible Lowe's purchases. Because Lowe's is a Kudos Boost partner, you can also earn Boost rewards when you shop Lowe's online through Kudos, plus whatever your credit card earns.
Step 1: Link MyLowe's Rewards to Bilt
- Link your MyLowe's Rewards account in the Bilt app or on bilt.com.
- Shopping online, stay logged in to your Lowe's account when you order.
- In store, give the phone number on your MyLowe's Rewards account or scan your member ID at checkout.
Step 2: Shop Lowe's Through Kudos
Start your Lowe's order from Kudos and check out with the Kudos browser extension to earn Boost. Boost rates vary by merchant and can change, so check the current Lowe's rate in Kudos before you buy. Kudos Premium and Lifetime members earn 1.25x the standard Boost rate.
Step 3: Pay With the Right Card
Your card rewards stack on top. Kudos shows you which card in your wallet earns the most at checkout, so you don't have to guess.
Start your Lowe's order with Kudos →
Bilt says it plans to add a Lowe's marketplace inside Bilt in early 2027.
Keep Track of Bilt Perks With Kudos
Bilt keeps adding new ways to earn and redeem, and it's easy to lose track of what you have. Kudos Benefits Tracker shows progress for credits and perks across every card in your wallet, sorted by expiration date, so nothing quietly goes unused.
Kudos also recommends the best card for every purchase, finds Boost rewards at thousands of stores like Lowe's, and helps you compare cards if you're deciding whether a Bilt card fits your spending.
Frequently Asked Questions
How Much Bilt Cash Can I Use on Lowe's HomeCare+?
Up to $99, once per year. That matches the $99 annual price of the subscription.
Can I Use Bilt Points Instead of Bilt Cash for HomeCare+?
The Lowe's and Bilt announcement says members can pay with Bilt Cash, Bilt Points, or a linked card when buying HomeCare+ through Bilt. Check the redemption options in the Bilt app, since availability may vary.
Do I Need a Bilt Credit Card to Get HomeCare+ Through Bilt?
No. Bilt's terms say you don't need a Bilt card to take part in the Bilt Cash program. Cardholders do get extra ways to earn Bilt Cash.
Can I Earn Kudos Boost and Bilt Points at Lowe's?
They come from separate programs. Bilt Points come from linking your MyLowe's Rewards account, and Boost comes from shopping Lowe's online through Kudos. Your credit card rewards are separate from both.
Is Lowe's HomeCare+ Available Everywhere?
No. HomeCare+ is only available in select ZIP codes near participating Lowe's stores. Check your eligibility before redeeming.
Does Lowe's HomeCare+ Renew Automatically?
Yes. It renews at $99 per year until you cancel. Lowe's only refunds the fee if you cancel within 30 days of purchase and haven't completed any appointments.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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